We need an annual worlwide travel insurance that will cover our family, Mum & Dad and three daughters aged 21, 15 and 8; in all eventualities. Columbus always comes out best for us. We have been with them for about five years and have been able to add on winter sports at short notice for the 15 year old, plus full cover already in place for trips to Europe, Russia, Africa and Latin America with no problems (including generous longer stay cover) and an excellent customer service centre with real people on hand in event of problems and claims.
Meanwhile my bank having scrapped its generous credit card use abroad policy replaced it with a miserly "free" travel insurance (with all sorts of catches to the extent that it would cost more than Columbus to provide the same benefits and service So we are staying with Columbus, thanks!
Value, flexibility and service